Chase Cashier’s Check: Fees, Verification and How To Get One

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You may not run across cashier’s checks often but might have heard of instances in which they are required, such as making a down payment on a house. Though you may not be familiar with them, you’ll likely need one at some point.

Cashier’s checks are fairly straightforward financial tools that banks offer to give greater security and assurance to transactions than regular personal checks. Here’s a look at the details behind the cashier’s checks, how to get a Chase cashier’s check and important information you need to know. 

How To Get a Cashier’s Check From Chase Bank

The easiest way to get a cashier’s check is to visit your nearest local Chase branch. Here is a step-by-step guide: 

• Speak to a banker or teller. Let the Chase Bank representative know that you would like to get a cashier’s check.
• Provide the details of the check. Supply the payee’s name and the exact amount of the check. 
• Make the payment. Ensure you have enough funds to cover the check. These funds will be withdrawn immediately from your checking account. 

Required Documents and Information 

You will need the following documentation to get your cashier’s check: 

• Identification: Bring a valid photo ID, such as a driver’s license or passport.
• Account information: Have your Chase account details ready, especially if you’re not carrying your debit card.
• Payee information: Know the exact name of the person or entity to whom the check will be made payable. Make sure you spell the name correctly. 
• Payment amount: Confirm the exact amount. 

Chase Bank Cashier’s Check Fees

The fee for cashier’s checks is $10. However, certain checking accounts are eligible for fee waivers. Check this table for fees that are waivable: 

How Do Chase’s Cashier’s Check Fees Compare To Other Banks?

Chase cashier’s check fees are in line with other major financial institutions. Bank of America, for example, charges $15 for cashier’s checks and will waive the fee for certain accounts. Wells Fargo, U.S. Bank and Citi® charge $10 for cashier’s checks, but fees are waivable for certain accounts. 

Chase Bank Cashier’s Check Verification Process

If you receive a Chase Bank cashier’s check as payment, there are a few ways to determine if the cashier’s check is legitimate. If you want to verify a Chase Bank cashier’s check, look for watermarks and security features. You can also check to see if the bank logo and address match Chase Bank. Look for discrepancies in the amount or payee’s name. 

Signs of Counterfeit Checks To Watch For

Here are some signs that a check may possibly be counterfeit: 

• No watermark or security features. Generally, cashier’s checks have security features. If these are missing, it could be a counterfeit check. 
• Poor print quality. Misaligned text and blurry letters and numbers may signal a counterfeit check. 
• Mismatched information. When there are discrepancies in the payee or the amount, it could be a red flag. Consider verifying that the check is legitimate. 

Contact Information for Verification Assistance

You can contact Chase’s customer service department at 1-800-935-9935 or the local branch that issued the check to determine the authenticity of the cashier’s check. 

Does Chase Bank Issue Cashier’s Checks for Non-Customers?

Chase Bank does not issue cashier’s checks for non-customers. Funds need to be immediately withdrawn from a Chase checking account to back the check. This cannot be done if you don’t have an account. 

Alternatives if You’re Not a Chase Bank Customer

The following alternatives to get a cashier’s check are available if you’re a non-customer:

• Secure a money order. Money orders are available at the post office, Walmart and some convenience stores. Money orders are limited to $1,000. 
• Reach out to a credit union. Some credit unions may issue cashier’s checks even if you aren’t a member. You may be required to pay for the cashier’s check in cash. Call ahead to find out a credit union’s policy. 
• Consider opening a Chase Bank account. If you frequently need cashier’s checks, consider opening an account at Chase Bank.

What Happens if a Chase Bank Cashier’s Check Expires?

Technically, a cashier’s check never expires. However, Chase Bank branches may determine that a cashier’s check wasn’t cashed or deposited within an acceptable time frame, usually 60, 90 or 120 days after the issuance. 

Once you notice your cashier’s check is “stale,” you can go to your local Chase Bank to determine if they will reissue the cashier’s check. You may have to provide documentation and the original cashier’s check. 

Sometimes an expired check is part of the escheatment process — if a cashier’s check isn’t cashed within the acceptable time frame, the funds could be turned over to the state as unclaimed. The time frame when a cashier’s check is considered unclaimed varies by state. 

To avoid the above scenarios, it is a good idea to cash your check promptly. 

Conclusion

Cashier’s checks are often used for large payments like down payments on homes, cars and transactions that require secure funds. To obtain a Chase cashier’s check, you must be a customer and the fee is generally $10. However, with certain accounts, this fee can be waived. 

More About Chase Bank

• Chase Bank Review
• Chase Bank CD Rates
• Chase Bank Savings Account Interest Rates
• Chase Bank Hours
• Chase Bank ATM Limits

Barri Segal and Brandy Woodfolk contributed to the reporting for this article.

Information is accurate as of Feb. 19, 2025.

The information related to Chase Products was collected by GOBankingRates and has not been reviewed or provided by the issuer of these products. Product details may vary. Please see issuer website for current information. GOBankingRates does not receive commission for these products.

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

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